Who Do I Contact About My MCA After Funding?
You contact the funder's servicing team, the group that handles payments, balances, reconciliation requests and payoff letters. Their contact details are usually in the contract or the welcome email, and if you funded through us, we'll help you reach them.
What does the servicing team handle?
- Your current balance and payment history.
- Payment date changes or bank account updates.
- Reconciliation requests when sales drop.
- Early payoff quotes and payoff letters.
- UCC termination after payoff.
- Questions about fees or unexpected debits.
How do you find the right contact?
Check the signed contract, especially the notice section. It lists where formal notices should go. The welcome email after funding usually names the servicing team. If you still can't find it, call the main number for the funder named on the contract. If a servicing company collects on the funder's behalf, the debit on your statement shows its name.
Where does a broker fit in after funding?
A broker arranges the deal, and after funding, the relationship is between you and the funder. We stay involved when you need us. If you funded through Afterfirst, we'll help you get the right contact, explain what a letter means or prepare a reconciliation request. The funder is the one with authority to change your account.
Why put requests in writing?
Use email for anything important, like a reconciliation request or a payoff letter. It creates a dated record. Include your business name, the contract number if there is one and a clear description of what you need.
What if servicing is slow?
Follow up in writing. Keep a log of every call. If a request is urgent, like a payment you can't cover this week, say so plainly and ask what the funder needs from you to respond quickly.
Can you change funders later?
If you renew or consolidate with a new funder, the new funder handles the payoff of the old one. Make sure the old funder confirms the payoff in writing and files the termination.
What should you ask on the first servicing call?
Ask how to reach them for urgent issues, how to request a reconciliation, how long payoff letters take and whether there's an online portal. Write the answers down and keep them with your contract. That short list saves time months later, when you need something quickly and don't want to hunt for a phone number.
What if the person you deal with changes?
Funders sometimes sell or transfer servicing to another company. If that happens, you should get notice with the new contact details. Your contract terms stay the same even if the company collecting the payments changes.
How do you stay a good account?
Servicing teams respond faster to owners who communicate. A quick heads up before a slow week, a prompt answer to a request for statements and a friendly tone all help when you need a favor.
How can Afterfirst help with this?
If your advance came through us and you need to reach your funder, email info@afterfirstmca.com or call 877-FUND-654. We'll connect you with the right people and help you ask for what you need.
What else do owners ask about this?
- How do I check the balance on my merchant cash advance?
- Who is the actual funder on my MCA offer?
- What happens if my bank account is closed during an MCA?
More short answers on this topic are on the after you're funded FAQ, and the MCA early payoff calculator runs the numbers for your own file.
Have a question we didn't answer?
Ask us on the call. Call 877-FUND-654 with any question. We call you back, usually the same business day, and we always talk with you before we shop your file.